Prosperity Bank

This is a commercial bank that provides SBA loan programs, business banking services, and financial solutions designed to support small and medium-sized businesses. You can find assistance with funding, credit, and financial planning tailored to your business needs.

It is recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-in visits are also accepted during business hours for general inquiries.

The bank's typical hours are Monday through Friday, 9:00 AM to 5:00 PM, but it's best to contact the branch directly for specific appointment times or after-hours services.

There are no fees for simply visiting the branch; however, loan applications and services may involve fees such as origination or processing fees, which are disclosed upfront.

This bank primarily serves residents and businesses within its regional service area, but they also welcome qualified applicants from outside the immediate region depending on the loan type.

A minimum personal credit score of around 650 is typically required, but higher scores improve the likelihood of approval.

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.

Most banks keep weekday business hours and are closed on weekends, and Prosperity Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Prosperity Bank to confirm current weekend availability before you go.

Prosperity Bank is located in Texas — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Prosperity Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Prosperity Bank itself, which runs its own lending under its own ownership. If you work at Prosperity Bank, you can claim this listing from this page to manage it.

The core details for Prosperity Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Prosperity Bank before applying. If you represent Prosperity Bank, claim this listing to keep its information up to date.

You can reach Prosperity Bank by phone at (979) 543-2200 or online at locations.prosperitybankusa.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Prosperity Bank before relying on them.

Based on its approved SBA loans, Prosperity Bank most often finances businesses in restaurants & food service, medical practices & clinics, general retail, wholesale & distribution, construction & contractors, and manufacturing. This reflects Prosperity Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Prosperity Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Prosperity Bank participates in SBA Express depends on its specific SBA lending authority. Contact Prosperity Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Prosperity Bank holds SBA Preferred Lender status, which enables in-house loan approvals without requiring SBA review, typically resulting in faster lending decisions. Confirm current status with your local Prosperity Bank branch.

Start-up businesses may qualify for SBA 7(a) loans through Prosperity Bank if they meet other eligibility requirements including reasonable equity investment and SBA size standards. Contact Prosperity Bank to discuss your startup's specific situation.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Prosperity Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Prosperity Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Prosperity Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Prosperity Bank weighs this case by case under its own policy, so be upfront about your history and ask Prosperity Bank how it evaluates prior bankruptcies.